Freedom to Choose™ health and dental insurance Guaranteed
Meet our plan for people who are leaving their workplace benefits plans and are looking to cover a wide range of health needs with the option to include prescription drugs.
Ready to get health and dental coverage?
If you’d like to explore plans and see how much they could cost you, get a quote.
Here’s what Guaranteed offers in some of the most popular coverage categories.
This plan does not include dental coverage.
Prescription drugs (optional)
If you opt for a drug card – meaning your pharmacist can process your claim on the spot, and you only pay the amount that’s not covered – we will reimburse 80 percent of the cost, up to $1000 per person per calendar year. If you decide to go without a drug card– meaning you pay the upfront cost and submit your claim for reimbursement – we will cover 90 percent of the drug’s cost, up to $1000 per person per calendar year. If you are a Quebec resident, Freedom to Choose provides supplemental coverage to the prescription drug coverage provided under the Régie de l’assurance maladie du Québec (RAMQ) basic prescription drug insurance plan. Freedom to Choose doesn’t remove your obligation to have drug coverage through the RAMQ drug public plan, through your employer or an association you are a member of or through the employer of your spouse.
You’ve got 90% coverage up to $300 per person, per practitioner, each calendar year to spend on services like a naturopath, physiotherapy, chiropractor, massage therapist, psychologist or speech therapist.
Keep those eyes sharp with up to 90 percent coverage up to a maximum of $75 for an eye exam every 2 years.
Private hospital room
We’ll cover the difference in price between private accommodation and a standard ward, to a maximum of $225 per day and 90 days per calendar year.
Looking for more coverage?
Try our Guaranteed plus or Guaranteed elite plans.